Utkarsh Small Finance Bank (BOM:543942) Margin of Safety % (DCF FCF Based): N/A (As of Jul. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:543942 Utkarsh Small Finance Bank Ltd BOM:543942
67 GF Score
Price ₹15.07
GF Value ₹21.65
Valuation Possible Value Trap
! 5 Warning Signs
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What is Utkarsh Small Finance Bank Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Utkarsh Small Finance Bank's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

Utkarsh Small Finance Bank Margin of Safety % (DCF FCF Based) Competitor Comparison

For the Banks - Regional subindustry, Utkarsh Small Finance Bank's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Utkarsh Small Finance Bank Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Utkarsh Small Finance Bank's Margin of Safety % (DCF FCF Based) falls into.


BOM:543942
67GF Score
Utkarsh Small Finance Bank Ltd BOM:543942
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Utkarsh Small Finance Bank (BOM:543942) Overvalued in 2026?

Based on GuruFocus' analysis, Utkarsh Small Finance Bank stock appears to be undervalued. The current stock price of ₹15.07 is trading 30.4% below its estimated GF Value™ of ₹21.65. GuruFocus considers Utkarsh Small Finance Bank to be Possible Value Trap.

Key valuation signals for BOM:543942:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: ₹21.65 vs. price of ₹15.07 (30.4% below fair value)
  • GF Score™: 67/100 with 5 warning signs

No single metric tells the full story. See the BOM:543942 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Utkarsh Small Finance Bank Business Description

Other Exchanges UTKARSHBNK:India
Address NH - 31 (Airport Road, Utkarsh Tower, Sehmalpur, Kazi Sarai, Harhua, Varanasi, UP, IND, 221105
Utkarsh Small Finance Bank Ltd is an SFB in India. It offers a range of financial products and services that address the specific requirements of its customer segments while assessing factors including income profile and the type of security available. Its asset products include Microbanking loans, retail loans, wholesale lending, housing loans, commercial vehicle/construction equipment loans, and gold loans. On the liabilities side, the company offers savings accounts, current accounts, and a variety of term and recurring deposit accounts. The Bank's business segment includes Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The bank generates the majority of its revenue from the Retail Banking segment.
67GF Score

Get the complete analysis for BOM:543942

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹15.07
Price
₹21.65
GF Value